Understanding Our Service
We provide independent funeral cost information to help UK families research their options
Information Service Only
We aggregate publicly available funeral pricing data for research purposes. We do not provide financial, legal, or funeral planning advice.
Verify All Information
All pricing data may be outdated or incomplete. You must verify all information directly with funeral directors and service providers.
Independent Analysis
We are not authorised by the Financial Conduct Authority and receive no commissions from funeral directors. Always consult qualified professionals for personalised guidance.
Privacy Policy
Last updated: 20th September 2025
ClearFuneralCosts ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our funeral cost information services.
Our Privacy Commitment
Information service only: We provide general funeral price information for research purposes. We never share your personal information with funeral directors or receive commissions from them. Your data is used solely to provide independent analysis.
Information We Collect
Personal Information You Provide
- Contact Information: Email address, postal code, phone number (if provided)
- Service Preferences: Funeral service type, budget range, family size
- Payment Information: Billing details when purchasing services (processed securely via Stripe)
- Communication Records: Records of correspondence with our support team
Information We Collect Automatically
- Usage Data: Pages visited, time spent, interaction patterns
- Device Information: IP address, browser type, operating system
- Analytics Data: Aggregated and anonymised usage statistics
- Cookies: See our Cookie Policy for detailed information
How We Use Your Information
- Service Delivery: To provide funeral cost information and analysis
- Research Support: To help you research funeral options in your area
- Communication: To respond to inquiries and provide information support
- Service Improvement: To enhance our platform and information quality
- Legal Compliance: To meet regulatory requirements including CMA transparency obligations
What We DON'T Do
- Share your information with funeral directors
- Receive commissions from funeral service providers
- Provide financial, legal, or funeral planning advice
- Sell or rent your personal information to third parties
Information Sharing and Disclosure
We may share information only in these limited circumstances:
- Service Providers: Trusted third parties who assist in operating our website (hosting, payment processing, analytics) under strict confidentiality agreements
- Legal Requirements: When required by law or to protect our legal rights
- Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to users)
- Consent: With your explicit consent for specific purposes
Data Security
We implement appropriate technical and organisational measures to protect your personal information:
- SSL encryption for all data transmission
- Secure data storage with reputable cloud providers (AWS/Google Cloud)
- Regular security audits and vulnerability assessments
- Limited access to personal data on a need-to-know basis
- Employee training on data protection and privacy
Data Retention
We retain your personal information only as long as necessary:
- Account Data: Until account deletion is requested
- Transaction Records: 7 years for tax and accounting purposes
- Analytics Data: 26 months in aggregated, anonymised form
- Support Communications: 3 years for quality assurance
Your Rights
You have the right to:
- Access your personal data
- Correct inaccurate data
- Delete your personal data
- Restrict processing of your data
- Data portability
- Object to processing
- Withdraw consent
Email: privacy@clearfuneralcosts.co.uk
Data Protection Officer: ClearFuneralCosts Ltd
Response time: Within 24 hours
Terms of Service
Last updated: 20th September 2025
These Terms of Service ("Terms") govern your access to and use of ClearFuneralCosts services. By accessing or using our services, you agree to be bound by these Terms.
Service Definition
Information service only: ClearFuneralCosts provides general funeral cost information for research purposes. We do not provide financial, legal, or funeral planning advice. All decisions remain entirely yours.
Our Services
ClearFuneralCosts provides funeral cost information services for UK families, including:
- Free funeral cost analysis based on postal code
- Comprehensive cost information reports
- Funeral director comparison data
- Research guidance and support materials
- Email support for research questions
Service Accuracy and Important Limitations
Critical Information
Our analysis is based on publicly available data mandated by the Competition and Markets Authority (CMA). Important limitations:
- Pricing data may be outdated or incomplete
- Final prices must be confirmed with funeral directors
- We cannot guarantee specific savings amounts
- All information provided is for research purposes only
User Responsibilities
When using our services, you agree to:
- Provide accurate and complete information
- Use the service for lawful purposes only
- Verify all information directly with service providers
- Make your own independent decisions
- Respect intellectual property rights
- Not share purchased reports with third parties
Payment Terms
- Free Services: Available without payment or registration
- Premium Reports: One-time payment of £49 (or current listed price)
- Payment Processing: Handled securely via Stripe
- Currency: All prices in British Pounds (GBP)
- Refunds: Subject to our 60-day money-back guarantee (see Refund Policy)
Intellectual Property
All content, analysis methods, algorithms, and materials on our platform are protected by copyright and other intellectual property laws. You receive a limited license to use our services for personal, non-commercial purposes.
Disclaimers and Limitations
Important: ClearFuneralCosts provides information services only. We are not:
- A funeral director or funeral service provider
- Authorised by the Financial Conduct Authority
- Providing financial, legal, or professional advice
- Responsible for the quality or conduct of third-party funeral directors
- Liable for decisions made based on our information
Service Availability
We strive to maintain service availability but cannot guarantee uninterrupted access. We reserve the right to:
- Modify or discontinue services with reasonable notice
- Suspend access for maintenance or technical issues
- Update pricing and features periodically
Termination
We may terminate or suspend access to our services immediately, without prior notice, for conduct that violates these Terms or is harmful to our business, users, or third parties.
Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
Changes to Terms
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or website notice. Continued use of our services after changes constitutes acceptance of the new Terms.
Email: legal@clearfuneralcosts.co.uk
ClearFuneralCosts Ltd
Available Mon-Fri, 9am-5pm
60-Day Money-Back Guarantee & Refund Policy
Last updated: 20th September 2025
Research Support Commitment
If our research guidance doesn't help you save at least £500, we'll refund every penny within 60 days.
Guarantee Eligibility
Our money-back guarantee applies when:
- You purchase our Complete Funeral Cost Information Package (£49)
- You follow our research recommendations in good faith
- You can demonstrate that savings were less than £500
- You request a refund within 60 days of purchase
- You provide reasonable documentation of your research process
Important Service Definition
Our guarantee relates to the information and research guidance we provide. We cannot control final funeral director pricing or service availability, but we guarantee that our information will help you research potential savings opportunities.
Simple Refund Process
- Contact Us: Email refunds@clearfuneralcosts.co.uk with your order details
- Brief Documentation: Provide basic evidence of costs incurred following our guidance
- Quick Review: We'll review your case within 2 business days
- Fast Processing: Approved refunds are processed within 5 business days
- Payment: Refunds are issued to the original payment method
What We Need for Refund Claims
To process your refund, please provide:
- Proof of purchase from ClearFuneralCosts
- Basic documentation of funeral costs researched
- Brief explanation of which recommendations were followed
- Timeline showing when services were researched
Note: We understand this is a difficult time and keep documentation requirements minimal while maintaining the integrity of our guarantee.
Refund Timeframes
- Standard Refund: 3-5 business days to original payment method
- Credit Card: May take additional 2-3 days depending on bank
- PayPal: Usually instant once processed
- Bank Transfer: 1-2 business days
Additional Refund Reasons
Beyond our savings guarantee, we offer refunds for:
- Service Dissatisfaction: If you're not satisfied with our information quality
- Technical Issues: If you can't access your purchased report
- Duplicate Purchase: If you accidentally purchase multiple times
- Change of Circumstances: If your funeral needs change significantly
No Questions Asked Policy
If you're not completely satisfied with our service for any reason within 60 days, we'll process a full refund. We understand that during difficult times, simplicity and compassion matter most.
Consumer Rights
This guarantee is in addition to your statutory rights under UK consumer protection law, including:
- Consumer Rights Act 2015
- Consumer Contracts Regulations 2013
- 14-day cooling-off period for distance sales
Our Commitment
We're committed to helping families research funeral cost options during difficult times. If our information doesn't help you make informed financial decisions, we don't deserve to keep your payment.
Email: refunds@clearfuneralcosts.co.uk
Phone: Available Mon-Fri, 9am-5pm
Response Time: Within 4 hours during business days
GDPR Compliance & Data Protection
Last updated: 20th September 2025
ClearFuneralCosts is committed to compliance with the General Data Protection Regulation (GDPR) and UK data protection laws. This section outlines your rights and our obligations under these regulations.
Your Data Protection Rights
Under GDPR and UK GDPR, you have comprehensive rights regarding your personal data:
- Right of Access: Request copies of your personal data
- Right to Rectification: Request correction of inaccurate data
- Right to Erasure: Request deletion of your personal data
- Right to Restrict Processing: Limit how we process your data
- Right to Data Portability: Receive your data in a structured format
- Right to Object: Object to processing for specific purposes
- Right to Withdraw Consent: Withdraw consent for data processing
- Rights regarding Automated Decision Making: Human intervention in automated processes
Exercising Your Rights
To exercise any of these rights, contact our Data Protection Officer at privacy@clearfuneralcosts.co.uk. We will respond within one month of your request, free of charge.
Lawful Basis for Processing
We process your personal data under the following lawful bases:
- Consent: For marketing communications and optional services
- Contract: To provide our funeral cost information services
- Legitimate Interests: For service improvement and fraud prevention
- Legal Obligation: To comply with CMA reporting requirements
International Data Transfers
Your personal data may be transferred to and processed in countries outside the UK/EEA. When this occurs, we ensure adequate protection through:
- Standard Contractual Clauses approved by the European Commission
- Adequacy decisions for data transfers to approved countries
- UK International Data Transfer Agreement (IDTA)
- Binding Corporate Rules for transfers within corporate groups
Regulatory Compliance Framework
Competition and Markets Authority (CMA)
Our data processing activities comply with the CMA Funerals Market Investigation Order 2021:
- Use of CMA-mandated funeral director pricing data
- Transparency in our cost comparison methodologies
- Independence from funeral director commercial interests
- Public reporting of pricing analysis methods
Information Commissioner's Office (ICO)
ClearFuneralCosts maintains active registration with the ICO. For data protection concerns beyond our direct control, you can contact:
Website: ico.org.uk
Phone: 0303 123 1113
Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Data Breach Response
In the unlikely event of a data breach that may result in high risk to your rights and freedoms, we will:
- Notify the ICO within 72 hours of becoming aware
- Inform affected individuals without undue delay
- Provide clear information about the breach and our response
- Offer guidance on protective measures you can take
- Provide regular updates on our investigation and remediation
Special Category Data
We do not intentionally collect special category data (health, religious beliefs, etc.). If such information is provided voluntarily in communications, we:
- Process it only for the specific purpose provided
- Apply additional security measures
- Delete it as soon as reasonably possible
- Never share it with third parties
Children's Privacy
Our services are not intended for children under 16. We do not knowingly collect personal data from children. If we become aware that a child has provided personal data, we will take immediate steps to delete such information.
Automated Decision Making and Profiling
Our funeral cost analysis involves automated processing to generate recommendations. You have the right to:
- Request human intervention in the decision-making process
- Express your point of view regarding automated decisions
- Contest decisions made solely by automated means
- Receive an explanation of the logic involved
Data Protection by Design and Default
We implement data protection principles from the ground up:
- Privacy-first system architecture
- Data minimisation practices
- Regular privacy impact assessments
- Staff training on data protection principles
Email: dpo@clearfuneralcosts.co.uk
ClearFuneralCosts Ltd
Response time: Within 24 hours